Free Guide to Cutting Costs on Drexel Car Insurance Online

Have you had enough of paying out the nose each month for car insurance? You are in the same boat as most other car owners in Missouri. Insurance companies such as GEICO and Progressive constantly bombard you with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates before your policy renews because rates are constantly changing. If you had the lowest price last year you will most likely find a better rate today. You'll find quite a bit of inaccurate information about car insurance on the internet, so we're going to give you some great ways to put money back in your pocket.

Are you getting all your discounts?

Car insurance can cost a lot, but you can get discounts to help offset the cost. Most are applied at quote time, but a few must be asked for in order for you to get them. If you aren't receiving every discount available, you are throwing money away.

Air Bag Discount - Vehicles with factory air bags can qualify for discounts up to 30%.
No Accidents - Claim-free drivers pay much less compared to drivers who are more careless.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
Employee of Federal Government - Active or retired federal employment can save as much as 8% with certain companies.
Good Students Pay Less - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.

It's important to note that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, you're out of luck. But any discount will reduce the cost of coverage.

How can State Farm and Allstate save drivers who switch?

Consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm and Allstate. All the ads make an identical promise that you can save if you move to their company.

How can each company make the same claim?

All companies can use profiling for the driver that earns them a profit. For instance, a preferred risk could be over the age of 40, is a homeowner, and drives newer vehicles. A customer who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will be charged more money and ends up with business going elsewhere. The ad wording is "people who switch" not "everybody who quotes" save that much. That's why insurance companies can claim big savings.

That is why you should get quotes from several different companies. Because you never know the company that will give you the biggest savings.

Learn more today

More information is located on the website for the Missouri Department of Insurance through this link. Consumers can find out industry alerts, read industry bulletins, download brochures, and file complaints about a company.

A tidy conclusion

We just showed you many tips how you can reduce car insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with an unexpected company. Regional companies often have lower prices on specific markets than the large multi-state companies such as .

When trying to cut insurance costs, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced collision coverage and learned later that it was a big mistake. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.